Protecting yourself and your family from the financial burden of unexpected outcomes is what insurance is all about. That’s why people insure their cars, trucks, boats, businesses, and homes. It’s also why nearly 55% of Americans take advantage of health insurance plans at work.1

But what about other life events that can derail your financial well-being? Here are four types of insurance to think about when deciding how much protection you need to keep your life on track.

If you couldn’t earn an income for several weeks or months because you became sick or injured—or you had a new baby—how long could you continue to pay your bills and meet your other financial obligations?

Disability insurance can replace a portion of your income to help you keep up with your monthly expenses. Depending on the plan you choose, you may receive a recurring monthly or weekly payment as long as you are unable to work due to a covered disability—up to a maximum benefit—to help cover ongoing costs until you return to work.

If you’re married or have children or others who depend on you, think about protecting their future with life insurance, which provides for them if anything happens to you.

How much life insurance you need will depend on your personal situation, but you want to make sure it’s enough to cover any expenses you may have (such as a mortgage or car loan) and help family members as long as possible. The online life insurance calculator created by LifeHappens.org can help you calculate the amount of coverage that best fits your needs.

With most of us living on pretty tight budgets, there’s no easy way to pay the out-of-pocket expenses that result from a major illness and its treatment.

Critical illness insurance can help ease the financial burden if you or another covered family member is diagnosed with a severe illness, such as a stroke or cancer. If you’re diagnosed with a covered condition, you will receive a lump sum payment that you can use in any way you wish. For example, you can use it to help pay out-of-pocket medical costs, to offset lost wages, or to get help in your home.

Good dental care is an essential component of your overall health and well-being.2 Regular checkups and cleanings can prevent expensive treatment for infections and tooth loss later on. They also help your dentist spot changes in your mouth that may signal other health issues such as diabetes or heart disease.

To learn more about the types of insurance options available to you at work, check with your benefits administrator.